secwatch.observer — SEC 8-K summary
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Issuer:     OCEANFIRST FINANCIAL CORP (OCFC)
CIK:        0001004702
Form:       8-K
Filed at:   2026-01-22T23:59:59+00:00
Accession:  0001004702-26-000005
Event type: earnings
Sentiment:  negative
Materiality: 0.70
Item codes: 2.02, 7.01, 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

OceanFirst Q4 net income falls to $13.1M from $20.9M; EPS $0.23 vs $0.36 YoY
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- Net income available to common stockholders $13.1M ($0.23 diluted EPS) vs $20.9M ($0.36) a year ago and $17.3M ($0.30) linked quarter.
- Full year 2025 net income $67.1M ($1.17 diluted EPS) vs $96.0M ($1.65) for 2024.
- Return on average assets fell to 0.36% in Q4 from 0.61% a year ago; efficiency ratio worsened to 80.37% from 67.86%.
- Net interest margin improved to 2.87% from 2.69% a year ago.
- Board declared $0.20/share quarterly dividend, payable Feb 13, 2026 to holders of record Feb 2, 2026.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1004702/000100470226000005/0001004702-26-000005-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1004702/000100470226000005/ocfc-20260122.htm
  HTML page:      https://secwatch.observer/filing/0001004702-26-000005

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